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tools they say also inv
need for better definitions &
examples of what constitutes
investment
KIK doesn't use flat rate - 
masyarakat prefer to 
cabang - masyarakat here understands
is in usaha takes money to 
mengurusi
invest KOP sampai
18,537 Aug.
orang - outstanding
200,907 all KUP in Jogjak.
why 8 957 lain 2 (jasa, angkutan)
they don't know what kind of
investments popular
Jogja 12% of all loans
in industry
in some UDs simpanan
exceeds KUP, but regionally